Legal Information
Please read these terms carefully before using our services
Last updated: 10 January 2025 | Effective: 10 January 2025
These Terms & Conditions govern your use of the Tivolin website and your participation in any of our educational programs. By accessing our website at thhappynode or enrolling in a program, you agree to these terms. If you do not agree, please do not use our services.
Questions about these terms may be directed to legal@thhappynode.
In these Terms & Conditions, the following words have the meanings assigned to them:
By using our website or enrolling in any of our programs, you confirm that:
If you are enrolling on behalf of a couple (as in our Financial Couple's Alignment Session), both participants must agree to these terms. The person submitting the enrolment confirms they have authority to do so on behalf of both parties.
Tivolin provides small-group and individual financial education programs delivered in Phuket, Thailand. Our current programs include:
Young Professional Finance Start — ฿3,800
Three facilitated sessions covering salary allocation, savings strategies, employer benefits, and the fundamentals of compounding. Delivered in small cohorts.
Side Income Financial Organisation — ฿6,500
Three sessions covering income tracking for multiple income streams, simplified bookkeeping, Thai tax considerations for side income, and goal-based allocation. Includes templates.
Financial Couple's Alignment Session — ฿11,500
Three sessions plus a follow-up review for couples, covering shared goal-setting, joint vs. separate account strategies, spending transparency, and communication frameworks. Includes a shared agreement template.
Sessions are conducted in person at our Phuket office or via video call, based on mutual agreement at the time of enrolment. We will confirm session dates, times, and format with you before the Program begins. While we aim to maintain the published session structure, we reserve the right to adapt content to the specific needs of participants within the educational scope of the Program.
Use of our website is permitted for the purpose of learning about our programs and submitting enquiries. You may not use our website in any manner that could damage, disable, or impair the site, or interfere with any other party's use.
Enrolment is completed when: (a) you submit an enquiry via our website or contact us directly; (b) our team confirms availability and provides program details; (c) you confirm your intention to join; and (d) payment is received in full or as agreed. No place is reserved until payment is received.
Programs run in small cohorts (typically 4–8 participants). Cohort schedules are set based on enrolment numbers and facilitator availability. We will communicate session dates as soon as they are confirmed and aim to do so at least 7 days before the first session.
If you need to reschedule a session, please notify us at least 48 hours in advance at info@thhappynode or by phone. We will make reasonable efforts to accommodate your request, subject to cohort availability. Missed sessions without prior notice cannot be rescheduled.
In exceptional circumstances (illness, family emergency), we will use reasonable discretion in accommodating rescheduling requests made after the 48-hour window.
We reserve the right to reschedule or combine sessions where participant numbers require it or in cases of facilitator illness or circumstances outside our control. In such cases, we will notify you as early as possible and propose alternative dates at no additional cost.
All fees are quoted in Thai Baht (฿) and are inclusive of applicable taxes. Fees are as listed at the time of enrolment. Tivolin reserves the right to adjust pricing for future cohorts with reasonable advance notice.
Accepted payment methods will be communicated by our team at the time of enrolment confirmation. Payment must be made in full before the first session unless a written instalment arrangement has been agreed.
More than 7 days before the first session: Full refund minus a ฿500 administrative fee.
3–7 days before the first session: 50% refund of the program fee.
Less than 3 days before the first session or after the program has begun: No refund. You may transfer your place to another individual (subject to Tivolin approval) at no charge with at least 48 hours' notice.
Refund requests must be submitted in writing to info@thhappynode. Approved refunds will be processed within 10 business days using the original payment method where possible.
If we are unable to deliver a program due to circumstances within our control, we will offer a full refund or a transfer to the next available cohort at your preference. We are not liable for any consequential costs you may incur (e.g. travel, accommodation) in such cases.
Participants are expected to engage in our programs in good faith and with respect for other participants and facilitators. You agree to:
Tivolin reserves the right to remove a participant from a program, without refund, for conduct that is disruptive, discriminatory, abusive, or in material breach of these terms.
All content on our website — including text, graphics, logos, and program descriptions — and all Materials provided during our programs are the intellectual property of Tivolin or its licensors and are protected under applicable Thai law.
Upon enrolment and payment, Tivolin grants you a limited, non-exclusive, non-transferable, personal licence to use program Materials for your own personal financial education purposes. This licence does not permit:
Any feedback or suggestions you provide about our programs may be used by Tivolin without restriction or compensation.
Important: Tivolin provides financial education, not financial advice. Our programs are designed to build knowledge, skills, and frameworks for personal financial decision-making. Nothing communicated in our sessions, materials, or website constitutes financial, investment, tax, or legal advice. Decisions about your personal finances remain entirely your own.
We do not make any representation that participation in our programs will lead to specific financial outcomes, savings targets, investment returns, or improvements in your financial situation. Individual results will depend on your personal circumstances, decisions made, and factors outside our control.
We endeavour to keep our website content accurate and up to date, but we make no warranty that it is free from errors, omissions, or interruptions. Program details (including pricing and scheduling) are subject to change and should be confirmed directly with our team before enrolment.
Our website and educational services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, to the fullest extent permitted by Thai law.
To the fullest extent permitted by applicable Thai law, Tivolin shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our website or participation in our programs, including but not limited to:
Where liability cannot be excluded under Thai law, our total liability to you in connection with any claim arising from these terms or your use of our services shall not exceed the total fees paid by you for the specific program to which the claim relates.
You agree to indemnify and hold harmless Tivolin, its facilitators, and team members from any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these terms, your misuse of our services, or your violation of any third party's rights.
What participants share in sessions about their personal financial situations is treated with discretion. Our facilitators do not disclose individual participant details to other participants or to third parties except as required by law.
Your personal data is handled in accordance with our Privacy Policy. By participating in our programs, you consent to the data handling practices described there.
You agree to maintain the confidentiality of any personal or financial information shared by other participants during group sessions and not to disclose such information to third parties.
You may withdraw from a program at any time, subject to the refund policy set out in Section 5. Please notify us in writing at info@thhappynode.
We may terminate your participation in a program immediately and without refund if you:
Upon termination of a program arrangement, your licence to use program Materials ceases. Sections of these terms that by their nature should survive termination — including intellectual property, liability, and governing law provisions — will continue to apply.
These Terms & Conditions are governed by and construed in accordance with the laws of the Kingdom of Thailand. Any dispute arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Thailand.
Before initiating any formal proceedings, both parties agree to attempt to resolve any dispute informally. Please contact us first at legal@thhappynode with a description of the issue. We will endeavour to respond within 10 business days and reach a fair resolution.
Nothing in these terms affects your statutory rights under applicable Thai consumer protection legislation, including the Consumer Protection Act B.E. 2522.
These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Tivolin in relation to the subject matter herein, and supersede all prior agreements, understandings, and representations.
If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable. All other provisions will remain in full effect.
Our failure to enforce any right or provision of these terms will not constitute a waiver of that right or provision unless acknowledged and agreed to by Tivolin in writing.
You may not assign or transfer any rights or obligations under these terms without our prior written consent. We may assign our rights and obligations to a successor entity in connection with a merger, acquisition, or sale of assets, provided we give you reasonable notice.
We may update these Terms & Conditions from time to time. The most current version will always be available on our website with the "Last updated" date shown at the top. For existing participants in a program, changes will not apply to the program you have already enrolled and paid for — the terms at the time of your enrolment apply. For new enrolments, the current terms at the time of enrolment apply.
For questions about these terms, enrolment disputes, or legal correspondence, please contact us through any of the following:
Address
9/4 Rat-U-Thit 200 Pee Road
Patong, Kathu, Phuket 83150
Thailand
Legal Email
legal@thhappynode